In a majority of cases, you will have to appear for a proceeding that is known as a `meeting of creditors’. You will meet with any creditor who wishes to be part of this meeting. You will also meet with a bankruptcy trustee. This meeting involves a simple procedure and you will be asked short questions about the filing forms and your current financial situation. In complicated cases where you are ring to dispute the debt, you will have to appear in court and attend a hearing in front of a judge.